Contact a mortgage lender

In today’s market, in order to submit an offer to purchase real estate, you will need to be pre-approved for a mortgage loan.  Many buyers think they can qualify, for a loan, to find out that they cannot due to excessive debit or low credit score.

Do you have any friends or family members who are in the mortgage industry?

Do you know the mortgage loan officer at your bank?

Make sure to have your personal documents on-hand and ready.  Example: last 2 months bank statements, last 2 months pay stub, last 2 years tax returns